Danko, William, 196, 203
Dappen, Andy, 56
Debt, 10, 12, 190–191, 197, 198
credit card (consumer), 10, 35, 190, 193, 197, 198, 205
higher, paid first, 36–37
interest on, 189, 203–204
reducing, 34, 35, 216
Demos, John, 27
Discernment, 38–39
background scanning with, 40
Divorce, 2, 106, 193
Dreams, realistic expectations and, 21–23
Dual income, 55–59